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Consumer Loans

Rates At PNCU we offer low financing rates for new and used cars, motorcycles, and personal loans. The actual rate is determined by the individual’s credit score, age of the collateral, and length of the financing term. Limit on model years of cars and motorcycles apply, please see our rate sheet. All loans are subject to credit approval.

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For Consumer Loan Rates, click here.

Auto Loans

  •  Your actual rate will be determined by your individual credit score
  •  Finance up to 125% of MSRP on new vehicles
  •  Finance up to 125% of retail value on used vehicles
  •  Terms of up to 7 years for new vehicles
  •  Pre-approval available
  •  Guaranteed Asset Protection (GAP Insurance) available
  •  VSI Insurance Required
  •  Maximum loan amount $100,000

Motorcycle Loans

  •  Your actual rate will be determined by your individual credit score
  •  Terms of up to 60 months
  •  Finance up to 100% of MSRP on new motorcycles
  •  Finance up to 100% of NADA retail value used motorcycles
  •  Maximum loan amount $50,000
  •  VSI Insurance Required

Personal Loans

  •  Your actual rate will be determined by your individual credit score
  •  Terms of up to 4 years
  •  Borrow from $1500 to $10,000

Collateral Loans

  • Borrow against your Polish National Credit Union Term Share Accounts
  • Rates and terms vary

 

*To be eligible for a loan, you must be a member of PNCU. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.